My Agent Site

Bernie Leiner, CLTC

Long Term Care Planning Advisor

Bernie Leiner is an independent long term care planning advisor specializing in helping individuals and their families plan for the financial and emotional consequences that an unexpected long term illness or injury can create. He is known for his straightforward and supportive approach to help you understand the practical and affordable solutions for your needs. He has the knowledge and expertise to design a plan that helps protect your independence and dignity, as well as your financial security.

As a natural extension of his long term care practice, Bernie offers life insurance and annuities as well.
Based in the Westchester/NY Metro area, he holds licenses in New York, New Jersey, Connecticut, Massachusets, Maine and Maryland with capability of helping people in most states. Bernie has collaborative relationships with financial planners, CPA’s and attorneys to help their clients protect their assets in the event of a long term care need.

Certified in Long Term Care (CLTC)

New York State Partnership Certified

American Association of Long Term Care Insurance (AALTCI)

Member of Greater Sleepy Hollow Tarrytown Chamber of Commerce

Founder of the TriState Direct Connect Business Group

When it comes to the rising cost of long term care, it is important to understand your options. Traditional health insurance is not designed to cover long term care. Medicare was not designed to adequately cover the long term care costs many Americans may face. And, Medicaid (in California, MediCal) may not cover you until many of your assets have been depleted.

Time is a consumer’s enemy when it comes to long term care planning. A future change in health could limit your options.

The time to plan is now. There is an online interactive cost of care tool to help you learn more about costs in your area.

Social Media Icons

Get your free quote:

Conversations that Matter:

Who needs long-term care most often?

About 80 percent of women age 65 will need some type of long-term care over the remainder of their lifetimes, while about 60 percent of men will. Once age 65, women need, on average, 3.7 years of care while men on average need 2.2 years of care in their remaining years.